Shojin market update: Q4 2025 - Register for the Webinar

Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

You could lose all the money you invest
- By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested.
- Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money.
- Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing.
- These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.
You are unlikely to be protected if something goes wrong
- Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
- Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
You are unlikely to get your money back quickly
- This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money.
- You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy.
This is a complex investment
- This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made.
- You may wish to get financial advice to understand how the structure works before deciding to invest.
Don’t put all your eggs in one basket
- Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
- A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

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Webinar

UK real estate market update: Q4 2025

Join us for a deep-dive on the UK housing and development finance markets

Register now

Join our next property investing webinar

With the November Budget approaching, evolving interest rate expectations, and shifting economic forecasts, UK property development finance is approaching a pivotal moment.

Join Shojin CEO Jatin Ondhia and Head of Investments Jacky Chan for a data-driven Q4 2025 market briefing that separates signal from noise. You'll discover the strong difference in price growth and costs driving a wedge between regional performance, how historically low planning approvals are reshaping opportunity, and where smart capital is finding returns despite the headlines.

Armed with the latest industry data, we'll share our views on where the market's heading—and more importantly, how to position your portfolio for success.

Join us on 29^th October at 1pm BST for a discussion covering:

UK economic landscape including GDP growth, inflation, interest rate trajectory
November Budget implications and policy outlook
Housing market fundamentals including price indices, transaction volumes and affordability metrics
Supply-side dynamics such as construction output and cost inflation
Planning approvals at historic lows
Forward outlook into 2026 and beyond

The webinar will be live on Zoom with a replay available to everyone who registers.

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The Shojin team invests funds into every project. We share in the risk and rewards together.

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We use our expertise at every stage of the investment process from initial due diligence to successful exit. Our regular updates ensure you're never out of the loop.

Wealth

We have a track record of superior returns. Gain exposure to an alternative asset class as part of a diversified portfolio and build your wealth.